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Terms of use

When you use this website, and any other websites owned or maintained by Unum Group or its affiliates, and their related internet and mobile applications and software, (the “websites”), you agree to the following terms and conditions. Please read them carefully. If you do not agree to these terms and conditions you should immediately cease use of the websites.

These terms and conditions can change at any time. When they change, we will post the revised terms and conditions on the websites. If you continue to use the websites after we make changes, you are bound by the terms and conditions as revised. For that reason, when you use the websites, we suggest you periodically visit this page to review the most recent terms and conditions.

As used on the websites, and in these terms and conditions, "Unum Group", "we", “us” or "our" refers to Unum Group and its affiliates, unless indicated otherwise or the context otherwise requires.


    Unum Group respects your privacy. Information about Unum Group’s privacy practices, including our Internet Privacy Notice, can be found by clicking on the Privacy link located on the bottom of each website's home page or login screen. Unum Group’s practices regarding the collection and use of personal information through or in connection with use of the websites may be updated from time to time.


    Unum Group websites, through select applications, are used internally and externally to offer and administer insurance products and services and communicate with customers, insureds, employees, job applicants and the public. Our robust array of technology applications, available with select products and offerings, provide users the ability to enroll in and change insurance coverage, submit claims and check on claim status, review premium billing, complete evidence of insurability and perform other functions related to insurance. Our applications also provide administrative tools and reporting features for brokers, agents, employers and plan administrators.

    The navigational tools provided with each application direct users to the functions available to them based on the product offering and their approved roles. File formatting and security guidelines, including electronic transmission standards, apply to your use of the websites. An inability to transmit and maintain records according to these requirements may impair your use of the websites.


    Unum Group, through its various subsidiaries, provides insurance products and services throughout the United States and in select countries. Not all Unum Group companies do business in all jurisdictions and insurance products and services are not available in all jurisdictions. Insurance products are offered through the following Unum Group insuring companies:

    Colonial Life & Accident Insurance Company, Columbia, South Carolina
    Authorized in all states (except New York), the District of Columbia and Puerto Rico
    NAIC #0565-62049

    First Unum Life Insurance Company, New York, New York
    Authorized only in New York
    NAIC #0565-64297

    Provident Life and Accident Insurance Company, Chattanooga, Tennessee
    Authorized in all states (except New York), the District of Columbia and Puerto Rico
    NAIC #0565-68195

    Provident Life and Casualty Insurance Company, Chattanooga, Tennessee
    Authorized in all states (except Alabama, Arizona, California, Florida, Indiana, Kansas, Maine, Maryland, Michigan, Minnesota, Montana, Nevada, Oregon, Texas, Utah, Vermont, West Virginia, Wisconsin and Wyoming) and the District of Columbia.
    NAIC #0565-68209

    Starmount Life Insurance Company, Baton Rouge, Louisiana
    Authorized in all states (except New York) and the District of Columbia
    NAIC #0565-68985

    The Paul Revere Life Insurance Company, Worcester, Massachusetts
    Authorized in all states and the District of Columbia.
    NAIC #0565-67598

    Unum Insurance Company, Portland, Maine
    Authorized in all states (except Alaska and New York) and the District of Columbia
    NAIC #0565-67601

    Unum Life Insurance Company of America, Portland, Maine
    Authorized in all states (except New York), the District of Columbia, Puerto Rico, Bermuda, and Guam
    NAIC #0565-62235

    Unum Limited, Dorking, England
    Authorized in the United Kingdom , Ireland and Germany

    The information and descriptions for products and services on the websites are intended as general information and are not necessarily complete descriptions of Unum Group’s products and services. As is the case with most insurance contracts, the policies described on the websites have exclusions, limitations, reductions in benefits and terms under which they may be continued in force or discontinued.


    We grant you a personal, revocable, limited, non-exclusive, royalty-free and non-transferrable license to use the websites conditioned on your adherence to these terms and conditions. The information, including all data, analytics and reports, on the websites is owned or licensed by Unum Group and is provided for your personal use. Except as otherwise expressly provided in these Terms of Use, the website information may not be modified, copied, distributed, republished, uploaded, downloaded, posted, or transmitted without our prior written consent.


    All trademarks, service marks, trade names, logos, icons and domain names located on the websites are owned or licensed by us. Your use of any trademark, service mark, trade name, logo, icon or domain name displayed on the websites, without our written permission, is strictly prohibited.

    The websites contain software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright law. All Material also is copyrighted as a collective work under the copyright laws, and Unum Group owns a copyright in the selection, coordination, arrangement, and enhancement of the Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy and print in hard copy any portions of the websites (and to download software made available on the websites) provided you do so solely for your personal use and in connection with conducting business with us and provided they retain all copyright, trademark or other proprietary notices. Otherwise, you may not reproduce or distribute in any way Material without obtaining our prior written permission.


    Access to the websites may be interrupted, restricted or delayed for any reason. We are not liable to you or anyone else for any loss resulting from use, or loss of use, of the websites or any content on the websites. This includes any error, omission, interruption or delay in operation of the websites due to natural causes, equipment failures or other circumstances. We are under no obligation to provide any kind of technical, development or end-user support for the websites.

    Every attempt is made to ensure that the information on the websites is accurate and complete, but there are no representations as to the accuracy, completeness or timeliness of any information on the websites. The information on the sites may be changed at any time.

    All policy, claim and account information displayed on the websites is provided as a convenience to you and for your information, but is not the official records of any policy, claim or account activity. In the event there is a discrepancy between the material on the websites and any policy documents, the policy documents represent the official record.

    The information on the websites is not intended as legal, tax, accounting or investment advice. You are solely responsible for seeking professional advice and taking such actions, and making such elections, as you deem appropriate to your circumstances and objectives.


    To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent allowed by law. In using the websites, you agree that you will not hold us liable to you or any other party for any direct, indirect, special, consequential or other damages of any kind arising out of any use of the websites (or any linked website).


    We assume no responsibility and will not be liable for any damages to your computer equipment or other property, including virus infections, caused by your access to, use of, or browsing of the websites or your downloading any materials, data, text, video or audio from the websites.


    Links from any Unum Group website to a non-Unum Group website may be provided for users' convenience only. We do not control or review non-Unum Group websites nor does the provision of any link imply an endorsement or association of a non-Unum Group website. We are not responsible for, and makes no representation or warranty regarding, the contents, completeness, accuracy or security of any materials on non-Unum Group websites or any product or services provided through non-Unum Group websites. Please review any terms of use and privacy notices of any non-Unum Group websites you visit.


    We do not accept or consider unsolicited ideas, proposal or suggestions. Please do not send any ideas, proposals or suggestions to us. If you do send materials to us, regardless of how submitted, your submission creates no contract with us and any information you provide becomes our property and can be used by us without attribution or compensation and will be considered non-confidential.


    We do not intend to solicit information from children or market products or services to children through the websites.


    Mobile phone operators may charge fees related to incoming or outgoing SMS (or text) messages that you cause to be sent in connection with your use of website features. You are responsible for the payment of such fees.


    Our websites may contain statements, estimates or projections that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those not based on historical information, but rather relate to future operations, strategies, financial results, or other developments. These forward-looking statements are subject to numerous assumptions, risks and uncertainties, many of which are beyond our control. For a discussion of assumptions, risks, uncertainties and other important factors that could cause actual results to differ materially from those expressed in the forward-looking statements, see our most recent reports on Form 10-K and Form 10-Q filed with the Securities and Exchange Commission. The forward-looking statements on the websites speak only as of the date made and we expressly disclaim any obligation to update or otherwise revise these statements, whether through the websites or otherwise.


    We understand that the confidentiality, integrity, and availability of our customers’ information are keys to our overall business success. Our internal business processes and procedures are designed to protect customer information from unauthorized access, disruption, modification, or destruction, and to comply with various privacy laws and regulations applicable to the collection, use and disclosure of customer information.

    Our information security program is based on applicable international regulatory requirements and industry standards and best practices such as the ISO 27001 and the NIST Cyber Security Framework.


    In order to establish or maintain an account with us using certain applications on the websites, you may be required to provide information to us such as your name, e-mail address, mailing address, zip code, country, user name and password. You agree to provide true, accurate, current and complete information and promptly update the information when it changes. If you provide any untrue or inaccurate information, or if we have reasonable grounds to suspect that the information is untrue or inaccurate, we may suspend or terminate your account and refuse all current and future use by you of our websites, or of particular websites or applications.


    Your access to the websites is limited to accounts and information for which you have permission. If you establish an account with us, you are responsible for maintaining the confidentiality of your user name and password. If you authorize any other persons to access or use your account, you must maintain an authorized users list in sufficient detail to enable the administrator, upon request, to confirm their identity and level of authorization. You agree to promptly remove from your authorized user list anyone who should no longer have access. You are responsible for all uses of your account, including by authorized users. You agree to notify us immediately of any unauthorized use of your account or password.

    You may not permit access through other systems, or link to other systems, unless those systems are maintained in a manner consistent with industry standards for the protection of financial records and non public personal information, are password protected, and use industry standard secure transmission and encryption technologies.


    You understand that the confidentiality and security of any information, including personally identifiable information, transmitted by you over the internet cannot be guaranteed. You acknowledge that when you access the websites we collect information about your visit and your use of the website.

    You are responsible for maintaining the confidentiality of any proprietary or confidential information of another party which you access through any Unum Group website. You agree not to disclose an individual’s nonpublic personal information obtained through the websites to another party without the individual’s prior authorization, or as otherwise required by law, and will use the information only to carry out the purposes for which the information was originally disclosed. You agree to comply with all applicable federal and state privacy laws and regulations.

    You agree that if you access, or are in receipt of, any information or reports not intended for your viewing or use you will notify us immediately. You agree not to use any information or reports that were not intended for you viewing or use and you will return or delete such information from your records and system.

    In the event of a security incident or breach, or potential incident or breach, of privacy or security with respect to proprietary or personally identifiable information, you agree to notify our privacy office immediately and cooperate fully in mitigating the harmful effects of such incident or breach. You are accountable for all costs and damages of any privacy or security breach to the extent cause by you. Any privacy breach, threatened or actual, may cause irreparable harm to us for which we would not have adequate remedies at law. You therefore agree that we are entitled to all available equitable remedies for any breach of these terms and conditions.


    You agree not to:

    • Interrupt or attempt to interrupt the operation of the Unum Group websites in any way;
    • Attempt to obtain or decrypt any passwords or other security protections for any account to which you do not have permitted access;
    • Act on behalf of another person without express permission to do so and you will not misrepresent your affiliation with a person or entity; or misrepresent the origin of any information provided by you;
    • Copy, reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the websites, nor make any unauthorized use of any content on the websites;
    • Display, disclose, rent, lease, modify, loan, distribute, or create derivative works based on the websites or any part thereof;
    • Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management, or security features of the websites;
    • Exploit the websites in any unauthorized way whatsoever; or
    • Post, transmit or display any offensive, defamatory, hateful, threatening, obscene or anti-competitive materials or encourage any illegal activities on the websites.

    We have the right to remove any material we feel violates these terms and conditions. We may monitor and archive for compliance purposes any information related to your use of the websites.


    If you access the website on behalf of another person, you are responsible to obtain prior authorization to act on behalf of that person. You will maintain complete documentation of the authorization and actions you are authorized to take. You will use any information obtained through such authorization only to provide services for that person.


    The laws of the United States and the State of Tennessee will govern the content and use of the Unum Group websites, without giving effect to conflict of law principles.

    We control the websites from our offices within the United States. We make no representation that the content on the websites is appropriate, legal or available for use in other locations. Those who choose to access the websites from other locations do so on their own initiative and are responsible for compliance with applicable local laws. By logging into, or entering the websites, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the State of Tennessee.


    United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act and the Arms Export Control Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from the websites to either a foreign national or a foreign destination in violation of such laws.


    If any provision is determined to be invalid or unenforceable, such determination shall not affect the remaining provisions which will be enforceable to the extent allowed by law and in a manner that most closely matches the intent of the original language.


    We may terminate your rights to use the websites at any time for any violation of these terms and conditions and for any business purpose. All provisions relating to proprietary rights, limitations of liability and warranties, non disclosure, privacy and security survive termination.


    These Terms of Use govern your conduct associated with the Customer Ratings and Reviews and/or Questions and Answers service offered by Unum (the "CRR Service").

    By submitting any content to Unum, you guarantee that:

    • You are the sole author and owner of the intellectual property rights in the content;
    • All "moral rights" that you may have in such content have been voluntarily waived by you;
    • All content that you post is accurate;
    • You are at least 18 years old and the age of majority in your state of residence;
    • You are or have been a customer of Unum, or the legal guardian of a Unum customer;
    • Use of the content you supply does not violate these Terms of Use and will not cause injury to any person or entity.

    You further agree that you may not submit any content:

    • That is known by you to be false, inaccurate or misleading;
    • That infringes any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
    • That violates any law, statute, ordinance or regulation (including, but not limited to, those governing, consumer protection, unfair competition, anti-discrimination or false advertising);
    • That is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;
    • For which you were compensated or granted any consideration by any third party;
    • That includes any information that references other websites, addresses, email addresses, contact information or phone numbers, or any other content that invades other's privacy;
    • Using multiple email addresses or otherwise attempting to post the same or similar content multiple times;
    • That reference pending or ongoing litigation;
    • Is unrelated to Unum or includes advertising, promotion, or solicitation;
    • That includes inappropriate or inflammatory language, or critical comments about other reviews or reviewers; or
    • That contains any computer viruses, worms or other potentially damaging computer programs or files.

    Review that violate the above restriction, in Unum's discretion, may be modified to remove offending content or may not be posted or utilized by Unum in its entirety.

    Unum may publish the nickname you designate with your review. In addition to these Terms & Conditions, additional details about Unum's Privacy Policy can be found at

    You agree to indemnify and hold Unum (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service providers, including but not limited to Bazaarvoice, Inc.), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown including reasonable attorneys' fees, arising out of a breach of your representations and warranties set forth above, or your violation of any law or the rights of a third party.

    For any content that you submit, you grant Unum a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.

    All content that you submit may be used at Unum's sole discretion. Unum reserves the right to change, condense, withhold publication, remove or delete any content on Unum's website that Unum deems, in its sole discretion, to violate the content guidelines or any other provision of these Terms of Use. Ratings and written comments are generally posted within two to four business days. However, Unum reserves the right to remove or to refuse to post any submission to the extent authorized by law. You acknowledge that you, not Unum, are responsible for the contents of your submission. None of the content that you submit shall be subject to any obligation of confidence on the part of Unum, its agents, subsidiaries, affiliates, partners or third party service providers and their respective directors, officers and employees. Unum may include disclosures with published responses to comply with applicable law.

    Unum does not guarantee that you will have any recourse through Unum to edit or delete any content you have submitted. You may request removal of the review by writing us at Unum-B267, 2211 Congress St., Portland, ME 04122. Unum may, but shall not be obligated, to remove your review except as required by law. Removal does not ensure the review will be completely or comprehensively deleted.

    By submitting your email address in connection with your rating and review, you agree that Unum and its third party service providers may use your email address to contact you about the status of your review and other administrative purposes.

    Unum reserve the right to modify these Terms and Conditions at any time. For questions regarding these Terms and Conditions, please contact us at Unum - B267, 2211 Congress St., Portland, ME 04122.